Medicare Advantage

Before your ANOC arrives, know these Fayette County shifts

Fayette County has 66 Medicare Advantage plans for 2027. Compared with 2026, 11 plans are not coming back, 12 are new, and 23 continuing plans changed in some way you should check before December 7, 9 of them under a new name. This guide covers what those numbers mean for Lexington, not which plan to pick.

LEXINGTON, Ky. — As Medicare's fall enrollment window approaches, Fayette County's Medicare Advantage lineup is shifting again. Federal filings show 11 plans will not return in 2027, 12 new plans are joining the market, and 9 plans are keeping the same basics but changing names. If you have a Medicare Advantage plan in Lexington, the mail you're about to receive matters — and in some cases, it triggers a special right to switch.

What's actually changing in Fayette County

Lexington is in Fayette County, where Medicare plan availability is set. According to CMS's 2026 vs. 2027 Landscape files, the county's picture next year looks like this:

• 11 plans leaving after 2026
• 12 new plans for 2027
• 9 plans renamed (same plan, new name)
• 14 continuing plans with a change to premium, deductible, type or name
• 45 plans continuing with no flagged change

The table on this page lists every plan sold in the county. Below, we focus on the movers.

Plans not returning in 2027

If you're enrolled in one of these for 2026, your carrier is required to send you a non-renewal notice, and you'll qualify for a Special Enrollment Period to pick a new plan.

• Wellcare Assist (HMO-POS) — Centene (WellCare)
• Wellcare Patriot Giveback Open (PPO) — Centene (WellCare)
• Humana Gold Plus Chronic Kidney Disease (HMO C-SNP) — Humana
• Humana Gold Plus H5619-071 (HMO) — Humana
• Humana Gold Plus SNP-DE H1036-320 (HMO D-SNP) — Humana
• Humana Together in Health Select (PPO I-SNP) — Humana
• Humana USAA Honor Giveback (PPO) — Humana
• Humana USAA Honor Giveback with Rx (PPO) — Humana (two contract IDs)
• UHC Dual Complete KY-S002 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete KY-S4 (HMO-POS D-SNP) — UnitedHealthcare

If your plan is on that list, you can: 1. Pick another Medicare Advantage plan during the Annual Enrollment Period (Oct. 15 – Dec. 7), or 2. Use the non-renewal Special Enrollment Period, which runs from Dec. 8 through the end of February, to switch to another MA plan or return to Original Medicare and add a stand-alone Part D drug plan.

Doing nothing means most members will be moved to Original Medicare on Jan. 1 — which does not include a drug plan, so be sure to make an active choice.

New plans arriving for 2027

Twelve plans are new to Fayette County next year. In alphabetical order by carrier:

• Aetna Medicare Chronic Care (HMO C-SNP) — Aetna (CVS Health)
• DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 008 KY (PPO C-SNP) — Devoted Health
• DEVOTED CHOICE GIVEBACK EXTRAS 011 KY (PPO) — Devoted Health
• Anthem Chronic Care Advantage (HMO C-SNP) — Elevance Health (Anthem)
• Anthem Medicare Advantage 2 (HMO-POS) — Elevance Health (Anthem)
• Humana Dual QMB Only (HMO D-SNP) — Humana
• Humana Gold Plus H5619-188 (HMO) — Humana
• Humana Senior Living Plan (PPO I-SNP) — Humana
• Humana Together in Health (PPO I-SNP) — Humana
• AARP Medicare Advantage Patriot No Rx KY-MA2 (HMO-POS) — UnitedHealthcare
• UHC Dual Complete KY-Q2 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete KY-S4 (HMO-POS D-SNP) — UnitedHealthcare

Several of these are Special Needs Plans (SNPs) — for people with a specific chronic condition, both Medicare and Medicaid, or an institutional-level need. If you don't meet those eligibility rules, an SNP isn't a fit no matter how attractive it looks on a comparison page.

Renamed plans — same plan, new label

Nine plans in Fayette County kept most of what they were, but changed names for 2027. If you get a notice that seems to describe a "new" plan, check whether it's simply a rename:

• Wellcare Dual Access (HMO-POS D-SNP) — was Wellcare Dual Access Sync (HMO-POS D-SNP)
• DEVOTED C-SNP CHOICE ENHANCED 006 KY (PPO C-SNP) — was DEVOTED C-SNP CHOICE PREMIUM 006 KY (PPO C-SNP)
• Humana Essentials Plus Giveback (PPO) — was HumanaChoice Giveback H7617-049 (PPO)
• Humana Value Choice (PPO) — was HumanaChoice H7617-050 (PPO)
• HumanaChoice H5216-226 (PPO) — was HumanaChoice Giveback H5216-226 (PPO)
• AARP Medicare Advantage from UHC KY-1 (HMO-POS) — was AARP Medicare Advantage Essentials from UHC KY-1 (HMO-POS)
• AARP Medicare Advantage from UHC KY-5 (HMO-POS) — was AARP Medicare Advantage Extras from UHC KY-5 (HMO-POS)
• UHC Dual Advantage KY-V1 (HMO-POS D-SNP) — was UHC Dual Complete KY-V001 (HMO-POS D-SNP)
• UHC Dual Complete KY-Q1 (PPO D-SNP) — was UHC Dual Complete KY-S001 (PPO D-SNP)

A rename doesn't mean nothing else moved — read the ANOC to see what, if anything, is different.

What you should do this fall

Every Medicare Advantage member should receive an Annual Notice of Change (ANOC) by the end of September. It spells out what's changing on your plan for 2027 — premium, deductible, plan type or name. Fourteen continuing Fayette County plans have at least one of those changes flagged in CMS's file; the ANOC is where you'll see exactly what.

A simple checklist:

1. Open the ANOC. Look at the cost pages and the drug list (formulary). 2. Check your doctors and hospitals. Networks can change year to year, even if your plan name doesn't. 3. Check your prescriptions. In 2026, Part D has a $2,100 out-of-pocket cap and a maximum deductible of $615. The coverage gap is gone — Part D now has three phases. If your drug costs are high, ask about the Medicare Prescription Payment Plan, which spreads them across the year. 4. Compare on medicare.gov. The Plan Finder shows every Fayette County plan side by side. 5. Make your choice during AEP (Oct. 15 – Dec. 7). If you're in a non-renewed plan, you also have through the end of February to switch. If you're already in a Medicare Advantage plan, MA Open Enrollment (Jan. 1 – March 31) lets you make one change.

For personal help, Kentucky's State Health Insurance Assistance Program — SHIP, locally known as Kentucky SHIP — offers free, unbiased counseling.